What are you talking about? Those index fund are constantly rebalancing. This is why you buy an index fund, so you don’t have to constantly rebalance your portfolio.
Also, the $10K threshold for additional AML scrutiny has been the same amount for nearly 50 years. It should be close to $50k in today's dollars due to inflation.
I have sent multiple international wires over the years and money always goes missing either from the sending/receiving fees, or the intermediary bank in New York takes a small cut.
Maybe if you have an account with billions of $$$ then you get a special deal, but us normies have to pay.